Cortland County Disaster Risk

Cortland County, New York

FEMA Risk Rating

Relatively Low

National Percentile

51th

of 3,144 counties

State Rank

#51

of 62 (1 = highest risk)

Flood Risk

72th

percentile

Hazard Risk Breakdown

Flood

River, coastal, and surface flooding risk

Relatively Low

Higher than 72% of US counties

Wildfire

Wildland and wildland-urban interface fire risk

Very Low

Higher than 10% of US counties

Tornado

Tornado and severe thunderstorm risk

Very Low

Higher than 37% of US counties

Earthquake

Seismic activity and ground shaking risk

Very Low

Higher than 39% of US counties

Hurricane

Tropical cyclone and hurricane risk

Relatively Low

Higher than 59% of US counties

Risk Advisory: Cortland County

Risk Verdict

Cortland County shows a relatively low overall disaster risk profile, scoring in the 51th percentile nationally. The county faces moderate hazard exposure relative to other U.S. counties. Standard emergency preparedness is recommended, with attention to the specific hazards that dominate locally.

Hazard Breakdown

Flood risk is the dominant hazard for Cortland County, scoring in the 72th percentile nationally. It is followed by hurricane risk at the 59th percentile. Additional hazards include earthquake (39th), tornado (37th), wildfire (10th).

Preparedness Context

With flood risk as the top concern, Cortland County residents should review flood insurance needs (standard home insurance does not cover flood damage), know your evacuation zone, and keep important documents waterproofed. Secondary risks such as hurricane also warrant attention in household and community preparedness planning. FEMA recommends all households maintain at least 72 hours of food, water, and medication supplies regardless of specific hazard exposure.

Regional Context

Cortland County is notably safer than the average county in New York. Its composite risk score is 18.2 points lower than the state average, indicating below-average exposure to natural hazards relative to other counties in the state.

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Frequently Asked Questions

What is the natural disaster risk in Cortland County, NY?
Cortland County has a FEMA National Risk Index rating of Relatively Low, placing it in the 51th percentile nationally out of 3,144 counties. This composite score reflects the county's overall exposure to natural hazards including floods, wildfires, tornadoes, earthquakes, and hurricanes, weighted by expected annual loss and social vulnerability.
What types of natural hazards affect Cortland County?
Cortland County is evaluated for five major natural hazard types: flooding (72th percentile), hurricane (59th percentile), earthquake (39th percentile), tornado (37th percentile), wildfire (10th percentile). The highest-risk hazard is flooding at the 72th percentile nationally. These scores are derived from FEMA's National Risk Index, which analyzes expected annual loss, social vulnerability, and community resilience for each hazard type.
How does Cortland County risk compare to the New York average?
Cortland County's composite risk percentile is 51th, compared to the New York state average of 69th percentile. The state's overall risk rating is Relatively Low. This means Cortland County faces lower natural disaster risk than the typical county in New York.
Is Cortland County at risk for flooding?
Yes, Cortland County's flooding risk is at the 72th percentile nationally. This is above the national median.
How is natural disaster risk measured?
FEMA's National Risk Index (NRI) calculates risk scores for 18 natural hazard types across all U.S. counties and census tracts. The composite score combines Expected Annual Loss (estimated dollar losses from each hazard), Social Vulnerability (demographic factors affecting disaster impact), and Community Resilience (ability to recover). Percentile scores rank each county against all 3,144 U.S. counties, and risk ratings range from Very Low to Very High.
Is Cortland County a safe place to live?
Cortland County's composite risk score of 51th percentile is below the New York state average of 69th percentile, indicating relatively lower exposure to natural hazards. However, no county is completely risk-free. The primary hazard type is flooding at the 72th percentile. Residents should still maintain emergency preparedness plans and appropriate insurance coverage.
By Logan Johnson, Founder & Data EditorUpdated Reviewed by Logan Johnson, Founder & Data Editor

Data Source

Risk data sourced from the FEMA National Risk Index (NRI). Risk scores are relative rankings (0–100) across all US counties — not absolute risk measures. Higher scores indicate higher relative risk compared to other counties.

Disclaimer: This data is informational only. It is not financial, insurance, or legal advice. Always consult a qualified professional before making insurance or real estate decisions.